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Influence Of Economic Status And Attitude Toward Health Insurance On Participation Demand

Influence Of Economic Status And Attitude Toward Health Insurance On Participation Demand
Henni Djuhaeni
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Inggris
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In Indonesia from the total expenditure on health, about 75% is paid by out of pocket. On the other hand although health insurance programs have been introduced for more than thirty years, they covered only 14.8% of the population and less than 5% are voluntary.

This study aimed to determine the cause of this low membership by studying and analyzing how economic status and attitude factors influenced demand on health insurance membership. This study involved 100 uninsured respondents and explanatory survey was conducted using the Likert’s scale questionnaire. The ordinal data was transformed to interval data by Successive Interval Method. Technical analysis using univariate, bivariate, and multivariate.

The results showed that 63% of the respondents supported health insurance and 56% showed interest in becoming members. The analysis showed that economic status (the level of wealth, income percapita, the magnitude of the loss and ability to pay for premium) and attitude factors (perception on health insurance, risk aversion, likelihood of illness, maximize utility, moral hazard, their confidence in health insurer credibility and health facility performance) had significant effect (p-value 0.00) on the demand for health insurance membership. Attitude factors had the strongest effect and the most dominant indicators were perception on health insurance, their confidence in health insurer credibility and moral hazard. However, the probability of respondents to become members of health insurance was almost equal to the probability of respondents not to become members.

Those result showed that, the government had to consider those factors to increase the health insurance membership.

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